Guan Yuntian is very familiar with several members of the team of the Agricultural Bank of China, and every time they meet, they will inevitably make a few jokes, but this time the interval is too long, and everyone becomes serious.

Before starting to drink, in front of Guan Yuntian, President Liu talked to his deputies about the financing plan of Changda Group, and Vice President Jiao, who was in charge of credit, said: "Mr. Guan, your financing amount is not small, let's say, how do you drink this wine today?"

"Listen to you, President Jiao, you have the final say. However, I will definitely accompany President Jiao. "Guan Yuntian said.

"It's not enough to just accompany me, the key is President Liu and several of our other leaders. "It seems that Lao Jiao wants to use wheel tactics and deliberately make things difficult for Yuntian.

"President Jiao, rest assured, I will accompany every leader. Waiter, take the twenty-year-old Moutai vintage wine. Guan Yuntian seemed confident.

Lao Jiao likes to drink, in the Agricultural Bank team, he has the largest amount of alcohol, but he has competed with Guan Yuntian many times, and each time he is defeated, but he has been defeated repeatedly, and he always wants to pour Guan Yuntian down, but he is drunk first every time.

"Don't drink so expensive, just drink a famous local wine. Governor Liu stopped.

"I haven't seen the leaders for a long time, and I finally got together today, so I can't be too shabby, waiter, go and prepare. Guan Yuntian insisted.

"Mr. Guan, the international financial crisis is now beginning to affect the domestic economy, and you still dare to go to the provincial capital to get land, have you considered this risk factor?" the vice president in charge of risk control kindly reminded.

"Governor Wang, before making a decision, our board of directors held a special meeting to discuss the risk issue, and everyone agreed that with the implementation of the stimulus policy, within a year, the domestic economy will gradually come out of the trough, and now the land price at this time should be at the trough in recent years. So, we decided to take this opportunity. "Guan Yuntian said.

"Well, I believe that the management team of Changda Group headed by Mr. Guan is rational and wise, think that year, they were in the international market natural rubber in the downturn, decisive shot, hoarding 50,000 tons of natural rubber, I remember that it was also from the Agricultural Bank of China financing, at that time I did not know much about him, but because of the face of his friend, gave him a short-term loan of 200 million, and at the same time pinched a sweat for him, as a result, the price of natural rubber in the international market soared by 40% three months later. Governor Liu still remembers that incident vividly.

The new young vice president was very interested in this topic, "Yo, it has risen by 40 percent in one fell swoop, and this amount is not a lot of money! I didn't think that Mr. Guan still had such a ability, so you are suitable for stock and futures investment." ”

"To the smile of President Li, I didn't earn 40 percent, and when the price of natural rubber rose by 30 percent, I shipped it all. To be honest, I have a clear positioning for myself, I am not suitable for stock and futures investment, because I am neither good at speculation, nor keen on taking risks, the best for my profession, or business. After so many years in the society, that was the only business I did. ”

Vice President Li was a little puzzled, "Mr. Guan, why don't you wait? When the price rises by 30 percent and the goods are shipped out, do you think the price will not rise?"

President Liu interjected: "This is the steady side of Mr. Guan, he will accept it when he sees it, and he will not earn the last copper plate, and there is only one time in so many years, and he will no longer be involved with business in the future." ”

"In fact, when we shipped, the price was still rising, but the daily increase slowed down significantly, in mathematical terms, when the rate of change suddenly decreased, it was equivalent to an inflection point, in fact, it rose by about 10 percent, and the price really fell. However, according to the consumer psychology of buying up and not buying down, even if the price is at the highest level

(This chapter is not finished, please turn the page)

As long as the price falls, it will be difficult to ship. "Guan Yuntian said.

"Oh, Mr. Guan still knows something about mathematics?" Vice President Li has a master's degree in finance and likes to study theoretical problems.

"Heh, I majored in mathematics in college. ”

"I see! Why did you suddenly remember to do this business? Was it a whim, or was there some inspiration?"

"It's not inspiration, it's not a whim, it's an opportunity, plus rational analysis. At that time, we were preparing for the tire project, when inspecting the raw materials, a friend who did import and export business told me about the market of natural rubber in recent years, according to what he said, and then checked the price trend of the international market in recent years, combined with the previous historical experience, I used the method of mathematical statistics to induct, respectively, drew several curves, and then used the method of mathematical analysis to sort out, and the conclusion was almost exactly the same as the situation that had occurred in history, so I decided to do that business. "Guan Yuntian said.

"Since then, there hasn't been a chance like that?"

"It was a combination of factors, and I never had a coincidence, at least in my work history, so that was the only one so far. ”

"This time, Guan always felt that the land market was currently at a low ebb, and wanted to buy the commercial land in the provincial capital?"

"I dare not say to buy the bottom, but the current land price is indeed relatively low, besides, the provincial capital is so large in the supply of commercial land, how can we have the strength to copy the bottom! However, the next step Changda real estate company wants to develop in the provincial capital, at least there must be construction land, now is a good time to bid for land. "Guan Yuntian said.

The dishes have been served, the wine is full, and President Liu, who is sitting in the main seat, took the lead in raising a glass, "Okay, Changda Group, as a gold medal customer of the Agricultural Bank of China, we have to support this financing as always." Estimate when the money will be used, and let the financial staff go to the bank a few days in advance to go through the loan procedures. Here, cheers for the first reunion of the year!"

After President Liu completed the fixed routine on the wine table, Guan Yuntian had to toast to the leaders of the Agricultural Bank one by one, "Mr. Guan, we don't drink much, just express a meaning, President Jiao has a lot of alcohol, you still take care of him." Several other vice presidents wanted to see the excitement again.

Although the price of the 20-year-old Moutai vintage wine in the cup is very expensive, the other four vice presidents do not drink much, no matter how good the wine, no one wants to get drunk.

Guan Yuntian comprehended, "President Jiao, the other leaders have given me the task, I can't live up to their expectations, I must accompany you well, how can you drink this wine?" ”

Lao Jiao looked at his four colleagues, originally wanted to use the method of wheel warfare to deal with Guan Yuntian, but he didn't expect his colleagues to cooperate, he was a little frustrated, "You four, you retreat again, and leave me alone here, is it interesting enough?"

"Those who can work hard, everyone is still waiting for you, so don't be modest. ”

"Mr. Guan, what I said at the beginning didn't count, it was because we hadn't seen each other for a long time, I wanted to express a feeling, since several of them have quit, let's not set any tasks, just drink it." Lao Jiao knew that the amount of alcohol was not as good as Guan Yuntian, so he also chose to retreat.

Without waiting for Guan Yuntian to speak, several other vice presidents began to coax: "That's not good, it's hard for a gentleman to chase after him, what he says, you have to do it." ”

"This is my matter with Mr. Guan, the four of you have no right to speak, Mr. Guan, let's not listen to them, come, drink as you like." Lao Jiao picked up his wine glass and said.

"Governor Jiao, the bystanders are clear!

(This chapter is not finished, please turn the page)

leaders are not involved, but their opinions are very pertinent. Otherwise, let's set a standard, you and I each have four glasses of wine, and each cup is divided into six sips to drink dry, how about it?" Guan Yuntian said.

"What's the matter?"

"I don't pay attention to it, I just want to have fun with you. ”

"That's not good, you don't know, how can I have such a large amount of wine! ”

"Okay, I don't think you need to dwell on this matter, just drink to your heart's content. "President Liu doesn't drink much, he likes to be casual, and he doesn't want to fight a lawsuit at the wine table.

In fact, it doesn't matter if the standard is set or not, because everyone knows the characteristic of Lao Jiao's drinking, that is, he doesn't get drunk and doesn't put down the cup. ......

More than half a month has passed, and seeing that the land bidding date in the provincial capital is getting closer and closer, Lao Ding, the chief financial officer, has not reported to Guan Yuntian about his financing in ICBC and CCB.

After another three or four days, Guan Yuntian came to Lao Ding's office under the pretext of discussing work, "Let's summarize the situation, the Agricultural Bank of China and two local financial institutions have agreed to our financing requirements, how is the situation on your side?"

"CCB has already agreed, and I originally wanted to report to you, but because ICBC has not implemented it for a long time, so I ,......" Lao Ding seems to have something unspeakable.

"What's wrong with ICBC? With a financing limit of 500 million yuan, is it still a problem for a big bank like them?"

"It's not a matter of financing amount, here, maybe ICBC President Ren has an opinion on me, and this time he was caught, a bit deliberately difficult. ”

No wonder, when the board of directors was discussing the financing issue, when Ye Jiayi proposed a bank financing plan, a strange expression appeared on Lao Ding's face.

"Lao Ren has an opinion about you? Changda Group has nothing to be sorry for their ICBC, how can he have an opinion on you?" Guan Yuntian didn't understand.

"Hey, it's not the first half of last year, a foreign financial institution just came to Fuyuan County to do business, they found a deputy director of the county finance bureau through acquaintances, and the deputy director found me, and wanted Changda Group to help them solve part of the deposit index, it was the end of the month, there happened to be a 20 million money ready to be deposited in ICBC, in order to take care of the face of the deputy director of the finance bureau, I asked the cashier to deposit the money to the foreign bank. Because at the end of the month, all financial institutions are competing for deposit indicators, and after ICBC's boss Ren knows about it, he may have an opinion on me. Lao Ding said.

"Hey, the dignified president of ICBC, Lao Ren is too stingy! As the number one bank, doesn't he feel ashamed to worry about those small banks in those places?" Guan Yuntian said.

"I don't know what Lao Ren thinks, but judging from the situation of applying for financing this time, he doesn't care as much about me and even Changda Group as he used to be. ”

"How so, and in what ways do you think he showed it?"

"I asked Lao Ren to talk about corporate financing, but he ignored me, okay or not, and didn't give me an answer for a few days. Lao Ding said.

Hearing this, Guan Yuntian couldn't sit still a little, "You have to do it! Don't worry about this, I'll go find him." ”

Coming out of Lao Ding's office, Guan Yuntian asked the driver to send him directly to the Fuyuan County Branch of the Industrial and Commercial Bank of China, and when he arrived at the door of the Industrial and Commercial Bank of China, he stabilized his emotions and then walked towards the president's office.

After knocking on the door a few times, and after hearing the sound of "please come in", Guan Yuntian pushed the door in.

Seeing someone coming, Lao Ren shouted in surprise: "Mr. Guan!

(End of chapter)